The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently offers new customers 0% p.a. interest for 12 months on purchases and balance transfers, with a 2% balance transfer fee.
Bankwest Breeze Classic Mastercard

- Balance transfer rate for 12 months with 2% balance transfer fee
- 0% p.a.
- Purchase rate for the first 12 months (reverts to 12.99%)
- 0% p.a.
- Annual fee
- $49 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A low-cost credit card offering 0% interest on purchases and balance transfers for 12 months, with a 2% balance transfer fee.
Pros
-
0% p.a. on purchases for 12 months, then 12.99% p.a.
-
0% p.a. on balance transfers for 12 months
-
Digital card issued upon approval
Cons
-
Charges a 2% balance transfer fee
-
Charges a 2.95% foreign transaction fee
Details
Product details
Product Name | Bankwest Breeze Classic Mastercard |
Balance transfer rate p.a. | 0% for 12 months with 2% balance transfer fee, then 12.99% |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | 0% for 12 months, then 12.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $1,000 |
Card type | Mastercard |
Eligibility
Available to temporary residents | No |
Minimum income | $15,000 |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | $49 |
Minimum monthly repayment | 2% of the closing balance or $20, whichever is greater |
Late payment fee | $25 |
Foreign currency conversion fee | 2.95% |
Cash advance fee | 3% or $4, whichever is greater |
Overseas cash advance fee | 3% or $4, whichever is greater |
Overseas ATM withdrawal fee | $4 |
Additional cardholder fee | $0 |
Number of additional cardholders | 3 |
Your reviews

Amy Finder
Editor
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Amy Bradney-George Finder
September 28, 2023
Hi Raymond,
Bankwest accepts credit card applications from people who receive the pension. For proof of income, you would need to provide your most recent pension statement with details of current payments. You would also need to meet the other eligibility requirements and provide all the requested information about your circumstances – we’ve included some details about it on this review. If you have more specific questions about applying for this card, you can also contact Bankwest on 13 17 19. I hope this helps.
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Anita
August 11, 2023
Currently gone from fulltime to casual work.
Will I be eligible for a credit card as bank up for travel?
What are my options ?

Amy Bradney-George Finder
August 14, 2023
Hi Anita,
You would need to show a regular income of over $15,000 per year to be eligible for this card, which could include payslips from casual work. But if your work situation has recently changed, you may want to call Bankwest on 13 17 19 to discuss your situation in regards to applying for this card. Finder also has a guide to low income credit cards, which has insights about credit card income requirements that may be of assistance. I hope that helps.
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Ankit
August 02, 2023
Hi, I have a personal loan with an outstanding amount of approx $9400. Can you please suggest me a good balance transfer credit card which also do balance transfer for personal loans?
Many thanks,
Ankit

Amy Bradney-George Finder
August 04, 2023
Hi Ankit,
Please keep in mind that Finder only provides general advice and factual information. But you can compare credit cards that allow balance transfers from personal loans in Finder’s guide, which also includes more details and insights that may be of assistance. I hope this helps.
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Brooke
August 02, 2023
Hi there,
Wondering if I can transfer my husband’s credit card debt as a balance transfer to this card if his card is solely in his name? Thank you.

Amy Bradney-George Finder
August 07, 2023
Hi Brooke,
According to the Bankwest balance transfer terms and conditions, you can request a balance transfer for your husband if he is added as an additional cardholder on the Bankwest card. The balance would also need to be from a non-Bankwest Australian credit card or store card. I hope this helps.
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Bailey
August 01, 2023
Hi,
I’m a full-time student who works casually at a workplace since March. So far, I’ve made approx $10k gross working there, though work less now. I also receive centrelink payments each fortnight.
Concerns are, work is ‘casual’ not ‘part-time’, but I work consistently every week, regular shifts each week.
Wondering how this would affect an application?
Thank you
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Amy Bradney-George Finder
August 07, 2023
Hi Bailey,
The wording on the Bankwest website is “regular income of over $15,000 a year”, rather than “part-time” or anything else. So you would need to provide evidence of that. But it’s a good idea to call Bankwest on 13 17 19 to discuss your situation, as you’ve been working with your current employer for less than a year. Finder also has a guide on student credit card options with more details specific to students. I hope this helps.
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Raymond
September 25, 2023
Hello Amy,
I wonder if the age pension is considered as constituting a valid source of income within the context of an application for this card.
[REDACTED]
Wondering if an application like this would be acceptable.
Thank you,
Raymond